I settle close depending on river availability, but I tend to give a little more room for my capitale, like 4 hex before building another city, so I'm sure my capital will have plenty of good tiles to work.
I usually jump settle also, as I go military early on (take the closest capital on turn 50), leaving me plenty of room to expand. If you can find a good choke point at an isthmus or between two mountain range, that's a really good spot. It sure require cautiousness at first, but it get easier as time goes by. Depending on your location defense, you may need only a few units to defend. If they are far off, you just build a road.
I wanted to plan ahead with a cluster of industrial zones, but I ultimately end up building my cities first depending on the terrain, and then pin where my industrial zone will be, and plan ahead for my entertainment.